Quintiles Canada Inc.

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Quintiles Canada Inc. 83881

Quintiles Canada Inc.

(All Employees)

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Your Group Insurance Booklet (ba00s) A-1 February 1, 2015 (83881)

Chapter Group File

Your Group Insurance Booklet

Keep in a safe place

This booklet is a valuable source of information for you and your family. It provides the information you need about the group benefits available through your employer’s group plan with Sun Life Assurance Company of Canada (Sun Life), a member of the Sun Life Financial group of companies. Please keep it in a safe place. We also

recommend that you familiarize yourself with this information and refer to it when making a claim for group benefits. The contract holder, Quintiles Canada Inc. has established a Health Care Spending Account and entered into a Health Care Spending Account Services Contract with Sun Life. The contract holder has the sole legal and financial liability for the Personal Spending Account and Sun Life only acts as administrator.

All other benefits are insured by Sun Life.

Your Plan Administrator is there to help

Your plan administrator can: • help you enrol in the plan

• provide you with the forms you need to claim group benefits • answer any questions you may have

Benefits and claims information at your fingertips

For more information about your group benefits or claims, please call Sun Life's Customer Care Centre toll-free number at 1-800-361-6212.

We're on the Internet!

Learn more by surfing Sun Life's website. There's information about group benefits, and about Sun Life's products and services... and a whole lot more! Check us out!

Our address is: www.mysunlife.ca

Accessing your records

As required by legislation, for insured benefits, if you reside in Alberta or British Columbia, you may obtain copies of the following documents:

• your enrolment form or application for insurance.

• any written statements or other record, not otherwise part of the application, that you provided to Sun Life as evidence of insurability.

For insured benefits, on reasonable notice, you may also request a copy of the policy.

The first copy will be provided at no cost to you but a fee may be charged for subsequent copies. All requests for copies of documents should be directed to one of the following sources: • our website at www.mysunlife.ca.

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Your Group Insurance Booklet (ba00s) A-2 February 1, 2015 (83881)

Respecting your privacy

At Sun Life Financial, protecting your privacy is a priority. We maintain a confidential file in our offices containing personal information about you and your contract(s) with us. Our files are kept for the purpose of providing you with investment and insurance products or services that will help you meet your lifetime financial objectives. Access to your personal information is restricted to those employees, representatives and third party service providers who are responsible for the administration, processing and servicing of your contract(s) with us, our reinsurers or any other person whom you authorize. In some instances these persons may be located outside Canada, and your personal information may be subject to the laws of those foreign jurisdictions. You are entitled to consult the information contained in our file and, if applicable, to have it corrected by sending a written request to us.

You have a choice

We will occasionally inform you of other financial products and services that we believe meet your changing needs. If you do not wish to receive these offers, let us know by calling 1-877-SUN-LIFE (1-877-786-5433).

To find out about our Privacy Policy, visit our website at www.sunlife.ca, or to obtain information about our privacy practices, send a written request by e-mail to [email protected], or by mail to Privacy Officer,

Sun Life Financial, 225 King St. West, Toronto ON M5V 3C5.

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Summary of Insurance (ba00s) A-3 February 1, 2015 (83881)

A ba00s

Summary of Insurance

Policy Number

83881

Basic Member Life Insurance and Accidental Death and Dismemberment Insurance

Maximum Benefit Class of Members Benefit Formula Non-Evidence Maximum Evidence Maximum

4. Employees who opt for Bronze module

1x annual earnings

$500,000 $800,000*

5. Employees who opt for Silver module

2x annual earnings

$500,000 $800,000*

6. Employees who opt for Gold module

3x annual earnings

$500,000 $800,000*

* The maximum is combined with Optional Life Insurance

Benefit Reduction: reduces by 50% on your 65th birthday Termination of Insurance: your retirement

Optional Member Life Insurance

Class of Members Benefit Formula Maximum

Benefit

1, 2, 3, 4 or 5 x annual earnings

$500,000*

*The combined maximum for Basic Member Life Insurance and Optional Life Insurance is $800,000

Termination of Insurance: your 70th birthday or your retirement, if earlier

Dependant Life Insurance

Spouse: $10,000

Each Child: $5,000

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Long Term Disability Insurance

Class of Members Benefit Formula Maximum Monthly Benefit

66.67% of monthly earnings

$12,000*

Evidence of Insurability

*Evidence of Insurability is required for insurance in excess of $10,000, and any increase in that insurance of 25% or more or $500, whichever is greater.

Monthly Disability Benefit

All references to income below and in the Long Term Disability Insurance Provision are to the gross amounts before any deductions.

Here is how Sun Life calculates your Long Term Disability payments. Step 1: Sun Life takes the maximum amount specified above. Step 2: Sun Life subtracts any income provided to you:

• for the same or a subsequent disability under any government-sponsored plan, excluding amounts payable on behalf of a dependant, employment insurance benefits and automatic cost-of-living increases under any government-sponsored plan that occur after benefits begin.

• for the same or a subsequent disability under any Workers' Compensation Act, Workplace Safety and Insurance Act or similar law, excluding automatic cost-of-living increases that occur after benefits begin.

• under a motor vehicle insurance plan which provides disability benefits to the extent that the law does not prohibit such a deduction.

• under a group plan, including any coverage resulting from your membership in an association of any kind. • under a retirement or pension plan funded in whole or in part by the employer, as a result of your disability or a

medical condition.

• under the Québec Parental Insurance Plan. For the purpose of this provision, all payments under the Québec Parental Insurance Plan will be treated in the same manner as disability or retirement income.

The result from Step 2 is the amount you will normally receive.

If this amount plus the above sources of income and all the additional sources of income listed below exceeds 85% of your pre-disability basic earnings, Sun Life will reduce your Long Term Disability payment by the excess.

Additional sources of income provided to you:

• under any Workers' Compensation Ac, Workplace Safety and Insurance Act or similar law for another disability, excluding any automatic cost-of-living increases that occur after benefits begin.

• under any Criminal Injuries Compensation Act or similar law, where allowed by law.

If you are eligible for any of the income amounts above and do not apply for them, Sun Life will still consider them part of your income. Sun Life can estimate those benefits and use those amounts when Sun Life calculates your payments.

If you receive any of the income amounts above in a lump sum, Sun Life will determine the equivalent compensation this represents on a monthly basis using generally accepted accounting principles.

Sun Life will not take into account any benefits that began before your disability began. However, increases in those benefits as a result of your disability will be taken into account.

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Qualifying Period

Your Long Term Disability payments begin after you have been totally disabled for an uninterrupted period of 120 days or after the last day benefits are payable under any short term disability, loss of income or other salary continuation plan, whichever is later.

This period, which must be completed before disability benefits become payable, is the Qualifying period. If you become totally disabled during a lay-off or approved leave and your insurance continues during this time, you will be eligible for benefit payments following your recall or scheduled return to full-time work with your employer. You must have been totally disabled for an uninterrupted period of 120 days and still be totally disabled on the date you are recalled or scheduled to return to full-time work with your employer.

Maximum Benefit Period

Your Long Term Disability payments end on the earlier of the following dates: • the date you are no longer totally disabled.

• the last day of the month in which you reach age 65.

• the last day of the month in which you retire with a pension or are eligible to retire with a full pension or a full pension equivalent.

• the last day of the month in which you die.

Termination of Insurance: your 65th birthday less the qualifying period of 120 days or the day you retire, whichever is earlier

At termination of employment, if you are receiving Long Term Disability payments, you are entitled to continue receiving payments, as long as your total disability is uninterrupted.

Extended Health Insurance (Class 4 – Bronze Module)

Deductible

Part Benefit Per

person

Per family

Reimburse-ment

A Drug: Pay Direct $100** $200** 80%* C Hospital: ward to

semi-private

none none 100%

D Supp. Health Care $100** $200** 80% E Out-of-Province Emergency

and

Travel Assistance

none none 100%

*When $2000. of eligible drug expenses have been incurred by you and your covered dependents under Part A in a calendar year, eligible drug expenses for the remainder of the calendar year will be reimbursed at 100%.

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Extended Health Insurance (Class 5 – Silver Module)

Deductible

Part Benefit Per

person

Per family

Reimburse-ment

A Drug: Pay Direct $50** $100** 90%* C Hospital: ward to

semi-private

none none 100%

D Supp. Health Care $50** $100** 90% E Out-of-Province Emergency

and

Travel Assistance

none none 100%

*When $2000 of eligible drug expenses have been incurred by you and your covered dependents under Part A in a calendar year, eligible drug expenses for the remainder of the calendar year will be reimbursed at 100%.

**Applicable deductible for Parts A and D combined : $50 per person / $100 per family

Extended Health Insurance (Class 6 – Gold Module)

Part Benefit Deductible per family Reimbursement

A Drug: Pay Direct none 100%

B Vision: $250* none 100%

C Hospital: ward to semi-private

none 100%

D Supp. Health Care none 100%

E Out-of-Province Emergency and Travel Assistance

none 100%

*Maximum for eyeglasses/contact lenses every 24 month period for you and your insured dependants.

Drug coverage for Québec residents

For all members under age 65 who are not covered by the Québec Drug Insurance Plan of the Régie

de l'assurance-maladie du Québec (RAMQ)

In addition to the above provisions, the following applies to the Drug Benefit for Québec residents who purchase an eligible drug that is included on the Régie de l'assurance-maladie du Québec (RAMQ) formulary:

Annual Out-of-Pocket Maximum: The maximum for out-of-pocket eligible expenses is limited to the amount

specified by law and applied in the provincial drug plan administered by the RAMQ. The annual out-of-pocket maximum amount applies separately to each adult under the plan. However, your out-of-pocket maximum includes expenses for each dependent child.

Out-of-pocket eligible expenses include any deductible and co-payment.

Reimbursement: The reimbursement percentage is applied up to the annual out-of-pocket maximum. After the

annual maximum is reached, eligible expenses will be reimbursed at 100%. The reimbursement percentage applies after any deductibles have been satisfied.

Termination of Insurance: your 70th birthday, your retirement or at termination of your employment, if earlier (this

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Dental Insurance (Class 4 – Bronze Module)

Part Benefit

Deductible per family unit

Reimburse-ment Maximum A Diagnostic/ Preventive none 80% $1,000* B Restorative none 80% * D Periodontic none 80% * H Endodontic none 80% *

*The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A, B, D, and H for you and for each insured dependant.

Late Entrant Maximum: If your eligible dependant becomes insured more than 31 days after the date you became

eligible for the Dental Insurance Provision, the maximum amount payable for the combined eligible expenses of all parts incurred during the first 12 months of insurance will be limited to $250 for each of your insured dependant.

Termination of Insurance: your 70th birthday, your retirement or at termination of your employment, if earlier Dental Fee Guide: The applicable fee guide is the one in force for general practitioners on the day when and in the

province where the expense is incurred or, for expenses incurred outside Canada, in the province of residence of the member. For expenses incurred in Alberta, or outside Canada by an Alberta resident, the applicable fee guide is the 1997 Alberta Fee Guide plus an inflationary adjustment determined by Sun Life.

Dental Insurance (Class 5 – Silver Module)

Reimburse-ment Maximum A Preventive none 100% $1,500* A1 Diagnostic none 80% * B Restorative none 80% * C Orthodontic none 50% $1,500** D Periodontic none 80% * E Denture none 50% * F Bridge none 50% * G Crown none 50% * H Endodontic none 80% *

*The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A, A1, B, D, E, F, G, and H for you and for each insured dependant.

**The maximum lifetime amount payable applies to the eligible expenses under Part C.

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Dental Fee Guide: The applicable fee guide is the one in force for general practitioners on the day when and in the

Dental Insurance (Class 6 – Gold Module)

Reimburse-ment Maximum A Preventive none 100% $2,500* A1 Diagnostic none 90% * B Restorative none 90% * C Orthodontic none 50% $1,500** D Periodontic none 90% * E Denture none 50% * F Bridge none 50% * G Crown none 50% * H Endodontic none 90% *

*The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A, A1, B, D, E, F, G and H for you and for each insured dependant.

**The maximum lifetime amount payable applies to the eligible expenses under Part C.

Termination of Insurance: your 70th birthday, your retirement or at termination of your employment, if earlier Dental Fee Guide: The applicable fee guide is the one in force for general practitioners on the day when and in the

Health Spending Account (Non-Insured Benefit)

The benefit year is from January 1 to December 31.

Both; your eligible dependants and you are covered under this benefit.

Plan credits: $500 on the commencement of each benefit year per employee

If your coverage starts after January 1, 2013, your plan credits are adjusted by the employer for the benefit year. If you need additional information, please contact your employer.

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General Information (bf07v) F-1 February 1, 2015 (83881)

F bf07v

General Information

Eligibility

You are eligible, and continue to be eligible, to be a member while you meet all of the following conditions: 1. You regularly work for Quintiles Canada Inc. at least 25 hours each week.

2. You have been continuously employed by Quintiles Canada Inc. at least as long as the waiting period. 3. You are a resident of Canada.

Participation is compulsory unless you are insured for comparable coverage under your spouse’s plan.

If you are classified as a contract employee, owner-operator, consultant, independent or if you are self-employed, you are not eligible to join the plan.

Waiting Period : none

You are eligible, and continue to be eligible, for dependant insurance while you meet all of the following conditions: 1. You are a member.

2. You have at least one dependant. 3. Your dependants are residents of Canada.

Comparable Coverage

If you are insured for comparable coverage under your spouse's plan, you may decline the Extended Health/Dental coverage offered under this plan. If this comparable coverage stops you will be insured for the similar coverage provided by this plan.

If your dependant is insured for comparable coverage under another plan, you may decline the dependant coverage for the Extended Health/Dental coverage offered under this plan. If this comparable coverage stops, you may request the similar coverage offered under this plan.

The insurance that replaces the comparable coverage is effective on the date that the comparable coverage stops. If you request the dependant coverage more than 31 days after the comparable coverage stops, you are considered a late entrant and you must submit evidence of insurability for each dependant to Sun Life. The insurance that replaces the comparable coverage is effective on the date that Sun Life approves the evidence of insurability. If Sun Life does not approve evidence of insurability required, the insurance will not be effective.

Definitions

Dependant

means your spouse or a dependent child of you or your spouse. If Sun Life does not approve evidence of insurability required for a dependant, he will not be an insured dependant.

Dependent child

means a natural, adopted or step-child who is not married or in any other formal union recognized by law, who is entirely dependent on you for maintenance and support and who is

1. under 21 years of age,

2. under 26 years of age and attending a college or university full-time, proof of the attendance must be provided each year starting at the age of 21, or

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He, his and him

refer to both genders.

Spouse

means your spouse by marriage or under any other formal union recognized by law, as well a person of the opposite or same sex who is living with and has been living with you in a conjugal relationship will be considered to be your spouse.

Enrolment

To enrol for Optional Life Insurance, you must submit a completed enrolment form and you must submit evidence of insurability to Sun Life.

To enrol for all other insurance, you must submit a completed enrolment form. If you have a dependant, request dependant insurance when you enrol.

If there are fewer than 10 members when you enrol, you must submit evidence of insurability to Sun Life.

If you request dependant insurance more than 31 days after you become eligible, you are considered a late entrant and you must submit evidence of insurability for each dependant to Sun Life.

If you have no dependant when you enrol and later acquire one, request dependant insurance, (eg. birth of first child, marriage).

If your new dependant is a common-law spouse, see your Plan Administrator to find out how to enrol for dependant insurance.

For late entrants, evidence of insurability submitted to Sun Life is at your expense.

Effective Date

Your Optional Life Insurance is effective on the later of the date that you become eligible or the date that your evidence of insurability is approved by Sun Life.

Other insurance is effective on the date you become eligible. Your dependant insurance is effective on the latest of • the date that you become eligible for dependant insurance, • the date that you request dependant insurance, or

• the date that Sun Life determines the insurability of all of your dependants and approves at least one dependant. If you are absent from work on the date your insurance or your dependant insurance would be effective, then that insurance will not be effective until the date you return to active work.

Changes in Insurance

If you request an increase in the amount of Optional Life Insurance, you must submit evidence of insurability to Sun Life. The increase in the amount of insurance will be effective on the date that Sun Life approves the evidence of insurability.

An increase in your benefits, the amount of your insurance or the amount of your dependant insurance due to change in your group benefit plan's design or a change in your classification becomes effective on the date of the change, unless you are not actively working on that day due to disease or injury.

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If, due to disease or injury, you are not actively working on the date an increase in your benefits, the amount of your insurance or the amount of your dependant insurance would be effective, the increase becomes effective on the date you return to active work. Sun Life may require evidence of insurability to establish the date that you are physically and mentally fit to return to active work. If so, the increase becomes effective on the date Sun Life establishes. If Sun Life doesn't approve the evidence of insurability required, the increase will not be effective

Subrogation

Subrogation is a legal practice giving Sun Life the right to be reimbursed for benefits paid to you if you have been compensated by another person who is responsible for your loss. The intent of subrogation is to limit your benefit payments to the amount you actually lost.

Let's assume a person is responsible for your disability, and is required to compensate you for any of the loss that results from your disability. If Sun Life is paying or has paid your loss of income benefits, you may be receiving more income than you earned before you became disabled. In that case, you would reimburse Sun Life for the loss of income benefits Sun Life has paid. If you receive an amount for future loss of income, that amount will reduce your future loss of income benefits from Sun Life.

Subrogation also applies to any medical and/or dental expenses you have been paid as a result of an injury caused by another person. Once you are compensated by the person who is responsible for your loss, you must reimburse Sun Life.

If subrogation applies to your claim, Sun Life will contact you to obtain the information required to proceed. You will be required to sign an undertaking to reimburse Sun Life for any amount recovered which exceeds 100% of income or expenses. Before agreeing to a settlement of your claim, Sun Life's approval must be obtained.

Termination of Insurance

Your insurance could terminate for a number of reasons. For example, • you are no longer eligible, (i.e. you are no longer actively working), • you reach the Termination Age,

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Basic Member Life Insurance and Optional Life

Insurance Provision (bg01v013) G-1

February 1, 2015 (83881)

G bg01v013

Basic Member Life Insurance and Optional Life

Insurance Provision

Benefit

The amount of benefit will be paid to your beneficiary upon your death. If no beneficiary has been appointed or if the beneficiary has predeceased you, payment will be made to your estate.

A minor cannot personally receive a death benefit under the plan until reaching the age of majority. If you reside outside Québec and are designating a minor as your beneficiary, you may wish to designate someone to receive the death benefits during the time your beneficiary is a minor. If you reside outside Québec and have not designated a trustee, current legislation may require Sun Life to pay the death benefit to the court or to a guardian or public trustee. If you reside in Québec, the death benefit will be paid to the parent(s)/legal guardian of the minor on the minor’s behalf. Alternatively, you may wish to designate the estate as beneficiary and provide a trustee with directions in your will. You are encouraged to consult a legal advisor.

If you become totally disabled before age 65, your Life Insurance may be continued. Premiums for the continued insurance will be waived after you have been totally disabled from the same or related causes for 120 continuous days.

Death Benefit - Exclusion

No benefit is payable for any amount of Optional Life Insurance that has been in force for less than 2 years if death is due to suicide while sane or insane.

Claims

A death claim must be received by Sun Life within 6 years of the date of death. The claimant must submit proof of the claim and the right to receive the benefit to Sun Life.

If you become totally disabled and are also insured for group Long Term Disability Insurance with Sun Life, you must submit a disability claim along with your claim under the group Long Term Disability Insurance to Sun Life.

If you become totally disabled and are not insured for group Long Term Disability Insurance with Sun Life, you must submit a disability claim to Sun Life after you have been totally disabled continuously for 6 months but not beyond 12 months after the date you became totally disabled.

Except where or when applicable legislation permits the use of a different limitation period, every action or proceeding against an insurer for the recovery of insurance money payable under the policy is absolutely barred unless commenced within the time set out in the Insurance Act or the time set out in such other legislation as may apply to a claim, action or proceeding for insurance money.

Where or when applicable legislation permits the use of a different limitation period, no legal action or proceeding may be brought against Sun Life:

1. regarding any claims for which no payment has been made by Sun Life, more than one year after the end of the time period in which the initial submission of proof of claim is required by the terms of the policy, or

2. regarding claims for which some payment has been made by Sun Life, more than one year after the last payment made by Sun Life with respect to the claim, or

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Basic Member Life Insurance and Optional Life

Insurance Provision (bg01v013) G-2

February 1, 2015 (83881)

At Termination

If your Life Insurance ends for any reason other than your request, you may apply to convert the group Life Insurance to an individual Life policy with Sun Life without providing evidence of insurability.

The request must be made within 31 days of the reduction or end of the Life Insurance.

There are a number of rules and conditions in the group policy that apply to converting this insurance, including the maximum amount that can be converted. Please contact your employer for details.

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Dependant Life Insurance Provision (bh01s009) H-1 February 1, 2015 (83881)

H bh01s009

Dependant Life Insurance Provision

Benefit

The amount of benefit will be paid to you upon the death of your insured dependant.

If you become totally disabled, your Dependant Life Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived.

Claims

A claim must be received by Sun Life within 6 years of the date of death. You must submit proof of claim and the right to receive the benefit to Sun Life.

3. regarding claims for waiver of Dependant Life Insurance premiums which are initially approved, more than one year after the date your dependant ceases to be insured or your dependant’s premiums cease to be waived.

At Termination

If your Dependant Life Insurance for your spouse terminates due to the termination of your Member Life Insurance, your spouse may convert the amount of the dependant insurance terminated to an individual policy on his life. Your spouse must apply and pay the premium to Sun Life within 31 days after termination of insurance.

Where necessary in order to comply with applicable legislation: If the dependant insurance for a child terminates due to the termination of your insurance, you may convert the amount of the dependant insurance terminated to an individual policy on the child’s life without submitting evidence of insurability.

The conditions that apply to the Conversion Privilege for the member's insurance will apply to the Conversion Privilege for the dependant insurance.

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Member Accidental Death and

Dismemberment Insurance Provision (bi01s009) I-1

February 1, 2015 (83881)

I bi01s009

Member Accidental Death and

Dismemberment Insurance Provision

Benefit

The amount of death benefit will be paid to your beneficiary upon your death. If no beneficiary has been appointed or, if the beneficiary has predeceased you, payment will be made to your estate. The amount of dismemberment benefit will be paid to you.

A minor cannot personally receive a death benefit under the plan until reaching the age of majority. If you reside outside Québec and are designating a minor as your beneficiary, you may wish to designate someone to receive the death benefits during the time your beneficiary is a minor. If you reside outside Québec and have not designated a trustee, current legislation may require Sun Life to pay the death benefit to the court or to a guardian or public trustee. If you reside in Québec, the death benefit will be paid to the parent(s)/legal guardian of the minor on the minor’s behalf. Alternatively, you may wish to designate the estate as beneficiary and provide a trustee with directions in your will. You are encouraged to consult a legal advisor.

If a claim is submitted for Repatriation, we will pay your estate. If a claim is submitted for Occupational Training for Spouse, we will pay your spouse. If a claim is submitted for Education Benefit for Dependant Child, we will pay your dependent child.

Depending on the loss suffered by you, the amount of benefit is limited to the percentage shown in the Schedule of Losses.

Schedule of Losses

Loss of Life 100% Hemiplegia 200% Paraplegia 200% Quadriplegia 200%

Loss of Both Hands, Both Feet or Sight of Both Eyes 100%

Loss of One Hand and One Foot 100%

Loss of One Hand and Sight of One Eye 100% Loss of One Foot and Sight of One Eye 100%

Loss of Speech and Hearing 100%

Loss of Use of Both Hands or Both Feet 100% Loss of Use of One Hand and One Foot 100%

Loss of One Arm or One Leg 75%

Loss of Use of One Arm or One Leg 75% Loss of One Hand, One Foot or Sight of One Eye 67% Loss of Use of One Hand or One Foot 67%

Loss of Speech or Hearing 50%

Loss of Hearing in One Ear 50%

Loss of Thumb and Index Finger of One Hand 33%

Loss of Four Fingers of One Hand 33%

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February 1, 2015 (83881)

If you suffer more than one of the losses listed above as a result of one accident, Sun Life will pay the amount of benefit for only one loss. That loss will be the highest of the losses suffered by you.

When proof is received by Sun Life that you have suffered any of the losses due directly to bodily injury caused solely by an accident, the amount of benefit will be paid, provided all of the following conditions are met:

• The accident must occur while you are insured under this provision. • The loss must occur within 365 days of the date of the accident.

If you become totally disabled, your Accidental Death and Dismemberment Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived.

Repatriation

If you suffer loss of life, we will pay the reasonable and customary expenses, limited to a maximum of $10,000, for the preparation and transportation of your body from the place of the accident to your place of permanent residence. The accidental death must occur at a distance of 150 kilometres or more from your place of permanent residence.

Rehabilitation

If you suffer any of the losses, we will pay the reasonable and customary expenses, limited to a maximum of $10,000, to train you for active employment in an occupation for which you would not have engaged except for those injuries. The expenses must be incurred within 2 years of the date of the accident.

No payment will be made for room or board or other ordinary living, travelling, or clothing expenses.

Occupational Training for Spouse

If you suffer loss of life, we will pay the reasonable and customary expenses, limited to a maximum of $10,000, to enrol your spouse in an accredited occupational training program to qualify him for active employment in an occupation for which he would not otherwise have sufficient qualifications.

The expenses must be incurred within 3 years of the date of the accident.

No payment will be made for room or board or other ordinary living, travelling, or clothing expenses.

Education Benefit for Dependent Child

If you suffer loss of life, we will pay the reasonable and customary tuition expenses to enrol your dependent child as a full-time student at a post-secondary institution provided

1. your dependent child is enrolled as a full-time student at a post-secondary institution at the time of the accident, or

2. your dependent child is a student at the secondary school level and, within 365 days of the date of the accident, he enrols as a full-time student at a post-secondary institution.

The maximum amount of benefit payable for each year that your dependent child is enrolled as a full-time student at a post-secondary institution will be the lesser of:

1. 5% of your amount of benefit, or 2. $5,000.

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February 1, 2015 (83881)

No payment will be made for:

1. tuition expenses incurred before the date of the accident.

2. room or board or other ordinary living, travelling, or clothing expenses.

A post-secondary institution includes any accredited university, colleges d'enseignement general et professionnel, trade school, community college, or private college that provides an education above the secondary school level.

Claims

A death claim must be received by Sun Life within 6 years of the date of death. A claim for a loss must be received by Sun Life within 3 months of the date of the loss. All other claims must be received by Sun Life within 3 months of the date that the expense is incurred. The claimant must submit proof of claim and the right to receive the benefit to Sun Life.

3. regarding claims for waiver of Member Accidental Death and Dismemberment Insurance premiums which are initially approved, more than one year after the date you cease to be insured or your premiums cease to be waived.

Exclusions

No benefit is payable for a loss directly or indirectly due to 1. suicide, while sane or insane,

2. self-inflicted injuries, while sane or insane, 3. disease,

4. civil disorder or war, whether or not war was declared, 5. full-time service in the armed forces of any country,

6. injuries received while riding in, or on, or boarding or alighting from an aircraft if, when the injuries were received,

a. you were operating, learning to operate or serving as a member of a crew of any aircraft, or

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Long Term Disability Insurance Provision (bl20sl) L-1 February 1, 2015 (83881)

L bl20sl

Long Term Disability Insurance Provision

Definitions

Appropriate treatment

means any treatment that is performed and prescribed by a doctor or, when Sun Life believes it is necessary, by a medical specialist. It must be the usual and reasonable treatment for the condition and must be provided as frequently as is usually required by the condition. It must not be limited solely to examinations or testing.

Basic earnings

on a given date, means the rate of the regular remuneration received by you on that date for your regular employment. For a member earning commission, this rate is the average remuneration received during the previous 12 months. Earnings for a member with less than one year of service will be the estimated amount of regular remuneration specified by your employer.

Doctor

means a physician or surgeon who is licensed to practice medicine where that practice is located.

Illness

means a bodily injury, disease, mental infirmity or sickness. Any surgery, needed to donate a body part to another person, which causes total disability, is an illness.

Total disability and totally disabled

For your Long Term Disability insurance,

• during the qualifying period and the following 24 months (this period is known as the own occupation

period), you will be considered totally disabled while you are continuously unable due to an illness to do

the essential duties of your own occupation, and

• afterwards, you will be considered totally disabled if you are continuously unable due to an illness to do any occupation for which you are or may become reasonably qualified by education, training or experience. If you have 35 or more years of employment with your employer, you will be considered totally disabled while you are prevented by illness from performing the essential duties of your own occupation.

If you must hold a government permit or licence to perform your own occupation and your permit or licence is withdrawn or not renewed solely for medical reasons, Sun Life will consider you totally disabled for up to 12 months after the end of the qualifying period. You cannot be working other than in a Sun Life approved partial disability or rehabilitation program.

General Description of the Insurance

Long Term Disability insurance provides a benefit to you if you are totally disabled. You qualify for this benefit if you provide proof of claim acceptable to Sun Life that:

• you became totally disabled while insured,

• your total disability has continued beyond the qualifying period specified in the Summary of Insurance, and • you have been following appropriate treatment for the disability since its onset.

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Maternity / Parental Leave of Absence

Maternity leave agreed to with your employer will begin on the date you and your employer have agreed will be the start of your leave or the date the child is born, whichever is earlier. The leave will end on the date you and your employer have agreed that you will return to active, full-time work or the actual date you return to active, full-time work, whichever is earlier.

Parental leave is the period of time that you and your employer have agreed on.

Sun Life will determine any portions of a maternity or parental leave which are voluntary and any portions which are health-related. The health-related portion of the leave is the period in which a woman can establish, through appropriate medical documentation, that she is unable to work for health reasons related to childbirth or recovery from childbirth.

Long Term Disability benefits will only be payable for health-related portions of the leave where necessary in order to comply with requirements such as employment standards, human rights and employment insurance, after you have been disabled for an uninterrupted period of 120 days, provided your insurance has been continued.

However, if your employer has a Supplemental Unemployment Benefit (SUB) plan as defined in the Employment Insurance regulations covering the health-related portion of the maternity or parental leave, Sun Life will not pay any benefits under this plan during any period benefits are payable to you under your employer's SUB plan.

Partial Disability Program

You may be required to participate in a partial disability program approved by Sun Life in writing.

After you are eligible for Long Term Disability payments, you may be considered for a partial disability program in which you return to your own occupation for a reduced number of hours per week.

During your partial disability program, you can receive a salary from your employer for the hours worked. However, your Long Term Disability payments will be reduced by the percentage of your normal work week that you are now working for your employer.

During your partial disability program your total income from all sources cannot exceed 100% of your pre-disability basic earnings, indexed for inflation. If this is the case, your Long Term Disability payments will be further reduced by the excess.

Your participation in a partial disability program will be limited to the own occupation period.

Rehabilitation Program

You may be required to participate in a rehabilitation program approved by Sun Life in writing.

It may include the involvement of a Sun Life rehabilitation specialist, part-time work, working in another occupation or vocational training to help you become capable of full-time employment.

Sun Life is under no obligation to approve or continue a rehabilitation program for a member. Sun Life will consider such factors as financial considerations and Sun Life's opinion on the merits of rehabilitation.

During your rehabilitation program, you may receive your Long Term Disability payments plus income from other sources. However, if during any month your total income is more than 100% of your pre-disability basic earnings, indexed for inflation, your Long Term Disability payments will be reduced by the excess.

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Interrupted Periods of Disability During the Qualifying Period

Interrupted periods of total disability due to the same or related causes occurring before the qualifying period has been completed are treated as one period of disability and are accumulated to complete the qualifying period as long as this benefit is in force and all of the following conditions are met:

• the initial period of total disability lasts for at least 30 days without interruption. • afterwards, there is no interruption of more than 30 days.

• each period of total disability is completed within 12 months after the start of the qualifying period, or as approved by Sun Life in advance in cases where the qualifying period is 365 days or more.

The difference between your normal number of scheduled hours and the number of hours actually worked is credited towards the qualifying period.

If the Long Term Disability benefit terminates, any balance of the qualifying period must subsequently be completed by uninterrupted total disability.

Interrupted Periods of Disability After Payments Begin

If you had a total disability for which Sun Life paid Long Term Disability benefits and total disability occurs again due to the same or related causes, Sun Life will consider it a continuation of your previous disability if it occurs within 6 months of the end of your previous disability. You must be insured when total disability reoccurs. These benefits will be based on your insurance as it existed on the original date of total disability.

Your Responsibilities

During your total disability, you must make reasonable efforts to:

• recover from your disability, including participating in any reasonable treatment or rehabilitation program and accepting any reasonable offer of modified duties from your employer.

• return to your own occupation during the first 24 months that benefits are payable.

• obtain training in order to qualify for another occupation if it becomes apparent that you will not be able to return to your own occupation within the first 24 months that benefits are payable.

• try to obtain work in another occupation after the first 24 months that benefits are payable. • obtain benefits that may be available from other sources.

If you do not, Sun Life may hold back or discontinue benefits.

Payments after Insurance Ends

If the Long Term Disability benefit terminates while you are totally disabled, you are entitled to continue receiving payments, as long as your total disability is uninterrupted, as if the benefit were still in effect.

Exclusions and Limitations

Sun Life will not pay benefits for any period: • you are not receiving appropriate treatment.

• that you do any work for wage or profit except as approved by Sun Life.

• you are not participating in an approved partial disability or rehabilitation program, if required by Sun Life. • you are on a leave of absence, strike or lay-off except as stated under Maternity / Parental Leave of Absence or

except where specifically agreed to by Sun Life.

• you are absent from Canada longer than 4 months due to any reason, unless Sun Life agrees in writing in advance to pay benefits during the period.

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Sun Life will not consider you totally disabled if your disability results from drug or alcohol abuse. However, this limitation will not apply while you are participating in a Sun Life approved treatment program or you have an organic disease which would cause total disability even if drug and alcohol abuse ended.

Sun Life will not pay benefits for total disability resulting from:

• the hostile action of any armed forces, insurrection or participation in a riot or civil commotion. • intentionally self-inflicted injuries or attempted suicide, while sane or insane.

• participation in a criminal offence.

Claims

To make a claim, complete the Notice of Claim for Group Long Term Disability Benefits that is available from your employer.

Sun Life must receive notice of claim on the earlier of the following dates: • 60 days after the total disability begins.

• within 30 days of the termination of this Long Term Disability benefit.

Part of the application process will include filling out claim forms that give Sun Life as many details about the claim as possible. You, the attending doctor and your employer will all have to complete claim forms.

In order to receive benefits, Sun Life must receive these forms no later than 90 days after the end of the qualifying period.

Sun Life will assess the claim and send you or your employer a letter outlining Sun Life's decision.

From time to time, Sun Life can require that you provide with proof of your total disability. If you do not provide this information to Sun Life within 90 days of this request, you will not be entitled to benefits.

Sun Life can require you to have a medical examination if you make a claim for benefits. Sun Life will pay for the cost of the examination. If you fail or refuse to have this examination, Sun Life will not pay any benefit.

• regarding any claims for which no payment has been made by Sun Life, more than one year after the end of the time period in which the initial submission of proof of claim is required by the terms of the policy, or

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Extended Health Insurance Provision (bm01v032) M-1 February 1, 2015 (83881)

M bm01v032

Extended Health Insurance Provision

Benefit

You will be reimbursed when you submit proof to Sun Life that you or your insured dependant has incurred any of the eligible expenses for medically necessary services required for the treatment of disease or bodily injury. To

determine the amount payable, the total amount of eligible expenses you claim will be adjusted as follows: 1. the maximums described throughout the extended health benefit provisions are applied,

2. then the deductible, which must be satisfied each calendar year, is subtracted, and 3. the reimbursement percentage is applied.

Example:

Assume that your plan has a $25 deductible and a reimbursement level of 80%. The maximum that your plan covers for eyeglasses is $175 every 24 month period. You have submitted an eyeglass claim for $100. This is the first extended health claim you have submitted this year so the deductible does need to be paid by you.

To determine the amount that you would be refunded for this claim:

1. The maximum eligible amount under the plan is $175. Therefore, the amount of the claim that will be considered for payment is $175.

2. The $25 deductible is applied to the submitted amount of $100. The amount has now been reduced to $75. 3. The reimbursement level is 80%. This means that 80% of the remaining $75 will be refunded to you. 80% of

$75 is $60. $60 will be paid to you for this eyeglass claim.

4. The maximum eligible amount under the plan is $175. $175 less the $100 that you submitted for this eyeglass claim is $75. This means that $75 will still be considered for payment for other eyeglass expenses during this 24 month period.

The intentional omission, misrepresentation or falsification of information relating to any claim constitutes fraud. To qualify for this coverage you must be entitled to benefits under a provincial medicare plan or federal government plan that provides similar benefits.

Co-ordination of Benefits

If you or your dependants are covered under this plan and another plan, Sun Life will co-ordinate benefits under this plan with the other plan following insurance industry standards. These standards determine which plan you should claim from first.

The plan that does not contain a co-ordination of benefits clause is considered to be the first payer and therefore pays benefits before a plan which includes a co-ordination of benefits clause.

For dental accidents, health plans with dental accident coverage pay benefits before dental plans.

Following payment under another plan, the amount of benefit payable under this plan will not exceed the total amount of eligible expenses incurred less the amount paid by the other plan.

Where both plans contain a co-ordination of benefits clause, claims must be submitted in the order described below.

Claims for you and your spouse should be submitted in the following order:

1. the plan where the person is covered as an employee. If the person is an employee under two plans, the following order applies:

• the plan where the person is covered as an active full-time employee, • the plan where the person is covered as an active part-time employee, • the plan where the person is covered as a retiree.

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Claims for a dependent child should be submitted in the following order:

1. the plan where the dependent child is covered as an employee,

2. the plan where the dependent child is covered under a student health or dental plan provided through an educational institution,

3. the plan of the parent with the earlier birth date (month and day) in the calendar year,

4. the plan of the parent whose first name begins with the earlier letter in the alphabet, if the parents have the same birth date.

The above order applies in all situations except when parents are separated/divorced and there is no joint custody of the dependent child, in which case the following order applies:

1. the plan of the parent with custody of the dependent child,

2. the plan of the spouse of the parent with custody of the dependent child, 3. the plan of the parent not having custody of the dependent child,

4. the plan of the spouse of the parent not having custody of the dependent child.

When you submit a claim, you have an obligation to disclose to Sun Life all other equivalent coverage that you or your dependants have.

Claims

A claim must be received by Sun Life within 18 months of the date that the expense is incurred. However, if your coverage terminates, any claim must be received by Sun Life no later than 90 days following the end of the coverage. For the assessment of a claim, itemized bills, attending physician statements or other necessary information are required.

If your physician is recommending medical treatment that is expected to cost more than $1,000, you should request pre-authorization to ensure that the expenses are covered.

2. regarding claims for which some payment has been made by Sun Life, more than one year after the last payment made by Sun Life with respect to the claim.

Exclusions

No benefit is payable for

• expenses for which benefits are payable under a Workers’ Compensation Act, Workplace Safety and Insurance Act or a similar statute,

• expenses incurred due to intentionally self-inflicted injuries,

• expenses incurred due to civil disorder or war, whether or not war was declared,

• expenses for services and products, rendered or prescribed by a person who is ordinarily a resident in the patient's home or who is related to the patient by blood or marriage,

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• expenses for services or supplies that are not approved by Health Canada or other government regulatory body for the general public,

• expenses for services or supplies that are not generally recognized by the Canadian medical profession as effective, appropriate and required in the treatment of an illness in accordance with Canadian medical standards, • expenses for services or supplies that do not qualify as medical expenses under the Income Tax Act (Canada), • out-of-province expenses for elective (non-emergency) medical treatment or surgery.

Integration with Government Programs

This plan will integrate with benefits payable or available under the government-sponsored plan or program (the

government program).

The covered expense under this plan is that portion of the expense that is not payable or available under the government program, regardless of:

• whether you or your dependant have made an application to the government program,

• whether coverage under this plan affects your or your dependant’s eligibility or entitlement to any benefits under the government program, or

• any waiting lists.

At Termination

If, on the date of termination of your insurance,

• you have a medically determinable physical or mental impairment due to injury or disease which prevents you from performing the regular duties of the occupation in which you participated just before the impairment started, regardless of the availability of work for you, or

• your insured dependant has a medically determinable physical or mental impairment due to injury or disease, is receiving treatment from a physician and is confined to a hospital or his/her home,

benefits will be payable for eligible expenses related to the impairment provided they are incurred within 90 days of the date of termination and this provision continues in force.

If you die, your insured dependant's Extended Health Insurance Benefits will be continued for 24 months without payment of premiums as long as the Extended Health Insurance provision remains in force. Your dependants must contact your Plan Administrator to arrange the extension of coverage.

My Health CHOICE Coverage

If your coverage under this plan terminates because your employment has ended, you may purchase Sun Life's My Health CHOICE coverage. This coverage is different from your group plan.

To be eligible for My Health CHOICE coverage, you must:

• apply for My Health CHOICE coverage within 60 days after the termination of your coverage, • be under age 75 on the date you apply, and

• be a resident of Canada and be covered under the provincial health plan.

My Health CHOICE coverage may also include Dental coverage if you were covered for both Extended Health Care and Dental Care benefits under this group plan, and both benefits terminated.

You may cover your spouse and dependents if those family members were covered under your group plan. Your spouse must be under age 75 on the date you apply for this coverage.

From time to time, Sun Life may review the eligibility requirements and, on the date you apply for My Health CHOICE coverage, they may be different from those listed in this booklet.

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Extended Health - Pay Direct Drug Benefit (bnpdv84) N-1 February 1, 2015 (83881)

N bnpdv84

Extended Health - Pay Direct Drug Benefit

Eligible Expenses

Eligible expenses are the reasonable and customary charges for the following items of expense, provided they are medically necessary for the treatment of disease or injury, prescribed by a physician or dentist and dispensed by a registered pharmacist or physician. Drugs covered under this benefit must have a Drug Identification Number (DIN) in order to be eligible.

1. drugs which legally require a prescription

2. life-sustaining drugs which may not legally require a prescription. 3. injectible drugs.

4. compounded preparations, provided that the principal active ingredient is an eligible expense and has a DIN. 5. needles, syringes, and chemical diagnostic aids for the treatment of diabetes.

6. eligible expenses for drugs used for the treatment of infertility are limited to a maximum of $2,500 during your lifetime and each of your insured dependants.

7. preventive vaccines, limited to a maximum if $1,000 in a calendar year foryou and each of you insured dependants.

Prior Authorization Program

The prior authorization (PA) program applies to a limited number of drugs and, as its name suggests, prior approval is required for coverage under the program. If the insured person submits a claim for a drug included in the PA program and has not been pre-approved, the claim will be declined.

In order for drugs in the PA program to be covered, the insured person needs to provide medical information using Sun Life's PA form. Both the insured person and the attending physician need to complete parts of the form. These drugs will be covered if the information provided meets Sun Life's medical criteria. If not, the claim will be declined.

The prior authorization forms are available from the following sources: • Sun Life's website at www.mysunlife.ca/priorauthorization

• Sun Life's Customer Care centre by calling toll-free 1-800-361-6212

Drug Substitution Limit

Charges in excess of the lowest priced equivalent drug are not covered unless specifically approved by Sun Life. To assess the medical necessity of a higher priced drug, Sun Life will require you and your doctor to complete and submit an exception form.

For members and insured dependants who live in Québec, this limit only applies as long as the drug expenses actually paid by the plan are not lower than the minimum set by the Régie de l'assurance-maladie du Québec and the out-of-pocket maximum for prescription drug expenses has not been reached.

Drug Utilization Review (DUR)

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Extended Health - Pay Direct Drug Benefit (bnpdv84) N-2 February 1, 2015 (83881)

Other Health Professionals Allowed to Prescribe Drugs

Certain drugs prescribed by other qualified health professionals will be reimbursed the same way as if the drugs were prescribed by a physician or a dentist if the applicable provincial legislation permits them to prescribe those drugs.

Régie de l'assurance-maladie du Québec (RAMQ) Formulary Drugs for Québec

Residents

In addition to the above eligible expenses, this benefit includes all drugs covered by Québec's basic drug formulary, as established by the RAMQ. The minimum reimbursement percentage required by provincial legislation is applied up to the annual out-of-pocket maximum, as specified by law. This formulary is reviewed on a regular basis and is subject to change as new drugs and drug products are introduced.

Limitations and Exclusions

No benefit is payable for

1. the portion of expenses for which reimbursement is provided by a government plan,

2. expenses for drugs which do not legally require a prescription, except those specified under Eligible Expenses, 3. expenses for drugs which, in Sun Life's opinion, are experimental,

4. expenses for dietary supplements, vitamins and infant foods, 5. expenses for contraceptives (other than oral),

6. expenses for drugs which are used for cosmetic purposes, 7. expenses for drugs used for the treatment of sexual dysfunction, 8. expenses for drugs used for the treatment of obesity,

9. expenses for natural health products, whether or not they have a Natural Product Number (NPN),

10. expenses for drugs and treatments, and any services and supplies relating to the administration of the drug and treatment, administered in a hospital, on an in-patient or out-patient basis, or in a government-funded clinic or treatment facility, and

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Extended Health - Vision Benefit

(Class 6 – Gold Module only) (bo01s032) O-1

February 1, 2015 (83881)

O bo01s032

Extended Health - Vision Benefit

(Class 6 – Gold Module only)

Definitions

Ophthalmologist

means a person licensed to practise ophthalmology.

Optometrist

means a member of the Canadian Association of Optometrists or of a provincial association associated with it.

Reasonable and customary charges

mean those which are usually made to a person without insurance for the items of expense listed under Eligible Expenses and which do not exceed the general level of charges in the area where the expense is incurred.

Eligible Expenses

Eligible expenses mean reasonable and customary charges for the following items of expense:

1. eye examinations by an ophthalmologist or optometrist limited to $60 in a 24 month period (12 month period for an insured dependant under age 18).

2. eyeglasses and contact lenses and repairs to them that are necessary for the correction of vision and are

prescribed by an ophthalmologist or optometrist, limited to the maximum specified in the Summary of Insurance for eligible expenses incurred during a 24 month period for you and for each insured dependant.

3. eyeglasses and contact lenses certified by an ophthalmologist as necessary due to a surgical procedure or the treatment of keratoconus, limited to a lifetime maximum of $200 for the non-surgical treatment of keratoconus for you and for each insured dependant and a maximum of $200 for expenses incurred within six months of each surgical procedure.

Exclusions

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Extended Health - Vision Benefit

(Class 6 – Gold Module only) (bo01s032) O-1

February 1, 2015 (83881)

Preferred Vision Services (PVS)

Preferred Vision Services Inc. (PVS) is a network of more than 1,000 healthcare service providers across the country. The PVS program offers discounts on the purchase of prescription eyewear, hearing aids and even laser eye surgery through preferred providers registered in the PVS network. As long as you are covered under this group benefits plan, you and your dependants are eligible for the PVS discount program.

Read more about the PVS program and how to obtain savings on your purchases in our PVS brochure. The brochure also includes a PVS card to take with you when you visit a PVS provider. A copy of the brochure is available from your plan administrator or when you sign into our Sun Life Financial Plan Member Services website at

www.mysunlife.ca.

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Extended Health - Hospital Benefit (bp01s032) P-1 February 1, 2015 (83881)

P bp01s032

Extended Health - Hospital Benefit

Definitions

Hospital

means a legally licensed hospital which provides facilities for diagnosis, major surgery and the care and treatment of a person suffering from disease or injury, on an in-patient basis, with 24 hour services by registered nurses and physicians. This includes legally licensed hospitals providing specialized treatment for mental illness, drug and alcohol addiction, cancer, arthritis and convalescing or chronically ill persons when approved by Sun Life. This does not include nursing homes, homes for the aged, rest homes or other places providing similar care.

Reasonable and customary charges

mean those which are usually made to a person without insurance for the items of expense listed under Eligible Expenses and which do not exceed the general level of charges in the area where the expense is incurred.

Eligible Expenses

Eligible expenses mean reasonable and customary charges for accommodation in a hospital, limited to the difference between the charges for public ward and semi-private room for each day of hospitalization.